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Poll Results: Catalysts for Innovation

FinovateSpring highlighted some of the key developments in payments. What do you think will be the biggest catalysts for payments innovation in the next five years?


Poll Results: Strategic Priorities

What is your company’s No. 1 strategic priority? Our Paybefore.com readers respond.


Industry Views: Trump’s First 100 Days

Trying to predict what President Trump is going to focus on is a little bit like trying to figure out which horse is going to win the Kentucky Derby, as one compliance expert notes. Despite talk of dismantling Dodd-Frank, only one of the president’s more than 30 executive orders since he took office on Jan. 20 relates specifically to financial services. And the White House has several priorities competing for attention.


Poll Results: CFPB Prepaid Accounts Rule Deadline

What do you think the effective date of the CFPB’s final rule on prepaid accounts will be? Our Paybefore.com visitors weigh in.

Play Now


Webinar: Powering Smarter Solutions: Competing in the New Prepaid Landscape

Access the replay of our Webinar featuring industry experts from Celent’s banking practice and global payments processor i2c discussing research and case studies about the integral role of processing technology in creating top-of-wallet solutions.


Webinar: Millennials, Paycards and the Future

Access this deep dive into research conducted by the Pay Award-winning paycard provider Global Cash Card Inc. and the Center for Generational Kinetics to find out more about meeting the needs and wants of this digital-first generation.


Introducing Paybefore’s Spotlight Webinar Series

For more than a decade, Paybefore has created the publications of choice for payments industry decision makers. Now you can reach these experts and potential partners live through Paybefore’s new Spotlight Webinar Series.


Webinar: CFPB Final Rule on Prepaid Accounts: The Rules and Their Short- and Long-Term Impacts

K&L Gates payments lawyers get down to the nitty gritty with the CFPB’s expansive final prepaid accounts rule. Find out what you need to know for your business and earn CLE credit at the same time.

Research & Analysis


Report: How Banks Can Beat the Fintech Threat

Facing disruption from fintech providers, traditional banks must embrace APIs and the open-source model to avoid losing their place at the center of consumers’ financial lives, a new report warns. Capgemini’s 2017 World Retail Banking Report polled thousands of retail banking customers around the world to gauge how the rise of fintech-based financial services has changed the game when it comes to banking.


Mastercard, Oxford Plan Helps Banks Breathe Life into Biometrics

With increasing global smartphone penetration and a willing consumer base, financial institutions recognize the potential of biometrics to offer more convenience and security to their customers—but a lack of familiarity with the still-new technology among top banking brass remains a significant barrier to adoption, a new report from Mastercard and Oxford University found.


FIS Details How Younger Consumers—and Some Older Peers—Are Driving Digital Banking

Nearly half—49 percent—of millennial consumers had paid a bill via mobile within 30 days of a survey conducted for a new report from FIS. That data point underscores the growing importance of digital financial services and payments not only for younger consumers but their older counterparts.


Amex Study: ‘Gen Z’ Open to Brands, But Demands Seamless, Fast Experience

Consumers age 16 through 22 are open to communication from brands but have high expectations of those brands, demanding high levels of customer service and the latest in omnichannel functionality, according to a new study from American Express.

Spotlight on Companies


Innovators’ Spotlight: Varo Money

As many U.S. consumers struggle with financial health, established banks often don’t provide the personal tools and guidance needed to help customers improve their financial situations. Filling that unmet demand was the impetus for mobile banking app Varo Money.


Innovators’ Spotlight: SOLE Financial

Many prepaid companies offer cardholder education elements as part of their platforms, but for Portland, Ore.-based payroll card provider SOLE Financial, ensuring cardholders know how to use their cards wisely and avoid fees isn’t just good PR—it’s good business.


Innovators’ Spotlight: Currencycloud

The London-based company offers banks and businesses the ability to transfer money across borders more easily and efficiently using a suite of APIs that automate payments via the cloud.


Q&A with Walt Granville, Cachet Financial Solutions

No more “one and done.” That’s central to Cachet Financial Solutions’ mission for its prepaid clients and was the impetus for platform upgrades that were nearly a year in the making. Paybefore spoke with Walt Granville, senior vice president of mobile innovation, about what’s resonating with clients and how Cachet is using optimized mobile apps to help them fight churn.

Spotlight on People


Top Payments Consultants: Rick Oglesby, AZ Payments Group

Even when serving in senior manager and director roles with the likes of American Express and TSYS early in his career, Rick Oglesby, AZ Payments Group president, always felt he was destined to be a payments consultant. That vision came true in 2011, and you don’t have to spend too much time with him before his love of consultancy work—helping companies succeed while establishing and nurturing relationships—becomes apparent and likely is the reason why he was selected as one of the industry’s Top Payments Consultants.


Executive Profile: One on One with Richard Steggall, Urban FT

Richard Steggall didn’t even set foot in the U.S. until he was approaching 30. So, what prompted the native Aussie by way of London to set up a fintech shop in New York—first as Waspit, then as Urban FT, the SaaS-based digital payments platform he now heads? It was, of course, American optimism.


Q&A with Andrew Buckley, Mastercard

When the self-described skeptic took over as global head of prepaid for Mastercard earlier this year, Andrew Buckley wasn’t quite convinced that the opportunities ahead were worthy of all the hype. Five months later and he’s among the converted, preaching the gospel of democratization—not just of payments but of innovation.


Compliance Titans: Craig James, Neopay

Craig James, founder and CEO of compliance consultancy Neopay, views compliance like a chess match—you have to know the board better than everyone else, so nothing surprises you.